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DTM Legal
5/5
350+Reviews
Chester Office: 01244 354 800
Liverpool Office: 0151 321 0000

Remortgaging Your Property

Clear, efficient legal support to help you switch lender, release equity or change your mortgage arrangements.

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Remortgaging involves replacing the mortgage secured against your property with a new mortgage, usually without selling or moving home. You may be considering a remortgage because your existing deal is coming to an end, you have found a more suitable mortgage product, you want to release equity or you need to change your borrowing arrangements.

DTM Legal advises homeowners, joint property owners, landlords and other residential property owners on remortgages involving both freehold and leasehold properties. We can also assist where the remortgage is connected with a change in ownership, such as adding or removing someone from the property title.

Our Residential Conveyancing team will manage the legal process, communicate with your existing and new lenders and explain what is required at each stage. We will review the title to your property, deal with the repayment of your existing mortgage and register the new mortgage with HM Land Registry.

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Remortgage Legal Services

We provide practical legal support throughout the remortgage process, including:

  • Confirming your identity and completing the required due diligence checks
  • Obtaining and reviewing the registered title to your property
  • Identifying and addressing any title issues that could affect the new mortgage
  • Obtaining a redemption statement from your existing lender
  • Reviewing your new mortgage offer and the lender’s legal requirements
  • Arranging any searches or search indemnity insurance required by the lender
  • Preparing and advising you on the mortgage deed
  • Agreeing and coordinating the completion date
  • Repaying your existing mortgage on completion
  • Sending any remaining mortgage funds to you
  • Registering the new mortgage with HM Land Registry
  • Assisting with a related transfer of equity or declaration of trust where required

Remortgage Costs

We provide a fixed fee for a standard residential remortgage rather than charging by the hour.

Standard Legal Fee

£675 plus VAT at 20%

Total including VAT: £810

This standard fee includes:

  • Obtaining and investigating the title to your property
  • Repaying your existing mortgage
  • Completing and registering your new mortgage

Third-Party Costs

You may also need to pay expenses charged by third parties. These are commonly known as disbursements and may include:

  • Office copies from HM Land Registry – approximately £7 plus VAT
  • Pre-completion searches – approximately £7 plus VAT
  • HM Land Registry application fees
  • Search indemnity insurance, where accepted by your lender – the cost will depend on the value of the mortgage

We will explain which third-party costs apply to your remortgage and include them within your individual quotation wherever possible.

Additional Legal Work

Some remortgages involve work beyond the standard legal process. The following fixed fees may apply:

  • Transfer of equity: £850 plus VAT at 20%
    Total including VAT: £1020
  • Declaration of trust: £250 plus VAT at 20%
    Total including VAT: £300

A transfer of equity may be required when someone is being added to or removed from the property title. A declaration of trust may be appropriate where joint owners want to record their respective financial interests in the property.

More complicated title issues, additional secured loans or requirements imposed by your lender may result in further legal work. We will notify you of any additional cost before carrying out that work.

Why Instruct DTM Legal?

The timing of a remortgage can be important, particularly where your current mortgage deal is ending or an early repayment charge is due to expire. We will take the time to understand your intended completion date and work with you, your mortgage adviser and the lenders involved to keep the transaction progressing.

Our Residential Conveyancing team has experience handling remortgages involving a wide range of properties, lenders and ownership arrangements. We will identify potential issues at an early stage, explain your options clearly and provide regular updates throughout the process.

Your Client Care Letter will confirm the person responsible for your matter and how you can contact them. Remortgage work is supervised by Sue Elias, Head of Residential Conveyancing, with Anna Duffy, Head of Property, having overall responsibility for the Property team.

We provide:

  • Clear and practical advice
  • A fixed fee for standard remortgage work
  • Early identification of potential title issues
  • Direct communication throughout the transaction
  • Coordination with your existing and new lenders
  • Support with freehold and leasehold properties
  • Advice on related transfers of equity and declarations of trust

Get in Touch

Speak to our Residential Conveyancing team for clear advice and a personalised quotation for your remortgage.

To discuss your requirements, contact:

Key Contact
Head of Residential Conveyancing
DTM Legal
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Key Considerations for Homeowners Remortgaging Their Property

Read our Key Considerations guide to understand some of the points a solicitor may wish to discuss when responding to your enquiry. It can help you prepare the relevant information and make your initial conversation more productive.

View Key Considerations
DTM Legal
5/5
350+Reviews

Residential Property Team

Sue Elias

Head of Residential Conveyancing
Anna Duffy

Head of Property
Siobhan Beattie

Partner, Residential Conveyancing

Laura Moore

Solicitor, Trusts & Estates
Molly Clapham

Senior Paralegal, Dispute Resolution
Ceri Davies

Senior Plot Conveyancer, Residential Property
Faye Kelshaw

Associate, Trusts & Estates
Lucy Ayoubi

Solicitor, Dispute Resolution
Louise Harcombe

Associate, Employment & HR
Beth Thompson

Solicitor, Corporate & Commercial
Michele Mulville

Senior Conveyancer, Residential Conveyancing

Frequently Asked Questions

Commonly asked questions about legal services for remortgaging a property.

You can instruct a solicitor once you have decided to proceed with a new mortgage application. Instructing your solicitor early can be particularly helpful where your existing deal is approaching its expiry date, as the title checks and identification requirements can begin while you wait for the formal mortgage offer.

You should tell your solicitor about any important dates, including the end of a fixed-rate period, the expiry of an early repayment charge or the deadline contained in your new mortgage offer.

The timescale depends on how quickly the mortgage offer is issued, the requirements of the new lender and whether any issues arise with the property title. Leasehold properties and remortgages involving ownership changes can take longer because information or consent may be required from additional parties.

Once we have received your completed instruction documents and identification, we will begin reviewing the title. We will keep you updated and explain if anything is likely to affect your intended completion date.

The searches required will depend on the instructions issued by your new lender. Some lenders require full property searches, while others may accept search indemnity insurance instead.

We will review the lender’s requirements and explain which option applies. Where insurance is accepted, its cost will usually depend on the value of the mortgage.

Yes, but this will involve a transfer of equity in addition to the remortgage. Your new lender must approve the proposed ownership arrangement, and everyone involved will need to complete the appropriate documents and identity checks.

Additional legal fees will apply, and there may be wider financial or tax considerations. We will explain the legal process and identify any further advice that may be required.

Yes. However, your lender may require information about the lease, service charges, ground rent, buildings insurance and the management of the property.

We may need to obtain a remortgage or management information pack from the freeholder, managing agent or management company. They may charge their own administration fee, and the time taken to supply the information can affect the completion date.

What our Clients Say

See what our customers have to say about their experience

Review Solicitors Stars
5/5 350+Reviews
MM Executors
04/08/2026
When our mother died, she left an estate of 8 rental properties as well as her own home. The disposal of this estate has taken over 2 years, and was difficult because the executors had no prior knowledge of the properties. We were very fortunate to have Soraya and her team as our conveyancers. DTM are responsive, supportive and professional, and gave us excellent advice throughout a challenging time. I would recommend them highly.
Angela and Tom
03/08/2026
We received a professional service and responses through out this process. We were able to communicate with our solicitors either by phone or email as required, with any questions or concerns we had. We always received quick feedback.
Nicky
03/08/2026
Excellent Very swift response to emails Regular updates Polite and friendly manner

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